The Friendship State Bank
BankRegReports is independent of The Friendship State Bank and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
The Friendship State Bank is an FDIC-insured commercial bank headquartered in Friendship, IN, established in 1912 (FDIC certificate 13130), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $543.8M, little changed from Q2 2025, the 39th largest of 87 banks headquartered in Indiana. Its CET1 capital ratio was 15.47% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 13130
- Headquarters
- Friendship, IN
- Established
- 1912
- Total assets, Q2 2026
- $543.8M
- Assets vs Q2 2025
- 0.0%
- CET1 ratio, Q2 2026
- 15.47%
- Domestic offices
- 9 FDIC institution directory, current count
- Routing number
- 074909988
- Latest call report
- Q2 2026, FFIEC 051 · The Friendship State Bank call report
- Holding company
- FRIENDSHIP BANCORP
- Asset rank in state
- 39th of 87 in Indiana
The Friendship State Bank operates with a thinner capital cushion than most banks of its size. Its balance sheet stood at $544 million at June 30, 2026; it is based in Friendship, Indiana. It funds 8.79% of its assets with Tier 1 capital, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 10.99%). It also spends about 76 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 61 cents).
Net income for the quarter rose 24% from a year earlier, to $1.1 million. Paper losses on its bond portfolio are shrinking: unrealized losses of $10 million equal 22% of Tier 1 capital, down from 32% a year earlier. Profitability lags: it earns about $0.79 a year on every $100 of assets, lower than about three-quarters of banks its size (median $1.28).
As of June 30, 2026, The Friendship State Bank reported a CET1 capital ratio of 15.47%, a return on assets of 0.79%, a nonperforming-loan ratio of 0.37% and a Texas ratio of 2.84%. The figures come from its call report filed with the FFIEC.
Of the 87 banks headquartered in Indiana, The Friendship State Bank is the 39th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 2.9% to $543.8M, loans rose 1.3% and deposits fell 0.4%. 1-4 family residential loans made up 59.0% of its total loans on June 30, 2026, its largest category; next came farmland and other real estate loans at 9.4%. The FDIC Summary of Deposits lists 9 offices for it, in 8 cities in IN; its Rising Sun office books 17% of its branch deposits. On its Q2 2026 call report, The Friendship State Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 5908 E Main Street, Friendship, IN 47021
- County
- Ripley
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- October 26, 1912
- Domestic offices
- 9 FDIC institution directory, current count
- Employees (FTE)
- 117
- Domestic deposits
- $478.7M
- Allowance for credit losses
- $3.4M
- Net charge-offs (YTD)
- $40K
- Average total assets
- $547.7M
- Average total loans
- $334.3M
- Average interest-bearing deposits
- $416.0M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 13130
- Fed RSSD
- 427241
- Website
- www.friendshipstatebank.com →
- Parent Holding Company
- FRIENDSHIP BANCORP (RSSD 1401154)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
The Friendship State Bank's total assets moved between a low of $531.0M (Q1 2024) and a high of $559.8M (Q1 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$543.8M total assets against $543.9M; $502.2M total liabilities against $507.4M.
$331.3M net loans and leases against $314.1M; $478.7M total deposits against $460.1M.
$166.9M securities against $185.0M; $11.9M cash and balances due against $11.8M.
$6.4M total interest income against $6.1M; $1.9M total interest expense against $2.3M.
$4.5M net interest income against $3.9M.
$1.6M total noninterest income against $1.6M; $4.7M total noninterest expense against $4.4M.
$0 provision for credit losses against $0.
$1.1M net income against $873K.
0.79% return on assets against 0.64%; 3.49% net interest margin against 2.95%.
15.47% CET1 capital ratio against 15.06%; 8.79% tier 1 leverage ratio against 8.42%.
Inside the full The Friendship State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe Friendship State Bank rankings
Its closest position to the top of a national ranking is 785 of 2,134, for CET1 ratio; its furthest is 3,108 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.55% (Q1 2025) to 1.05% (Q1 2026) and its net interest margin ran from 2.74% (Q3 2024) to 3.49% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.47% | 0.79% | 0.37% | 2.84% | 3.49% |
| Q1 2026 | 15.18% | 1.05% | 0.36% | 2.83% | 3.23% |
| Q4 2025 | 15.10% | 0.86% | 0.47% | 3.61% | 3.25% |
| Q3 2025 | 15.03% | 0.71% | 0.11% | 0.91% | 3.06% |
| Q2 2025 | 15.06% | 0.64% | 0.22% | 1.85% | 2.95% |
| Q1 2025 | 15.14% | 0.55% | 0.12% | 1.02% | 2.81% |
| Q4 2024 | 15.18% | 0.71% | 0.10% | 0.85% | 2.91% |
| Q3 2024 | 15.38% | 0.67% | 0.17% | 1.41% | 2.74% |
Swipe the table sideways to see every column.
Branch Network
View all 9 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| 401 Main Street Branch | Rising Sun , IN | 47040 | $81.6M |
| Versailles Branch | Versailles , IN | 47042 | $80.2M |
| Dillsboro Branch | Dillsboro , IN | 47018 | $67.7M |
| The Friendship State Bank | Friendship , IN | 47021 | $61.7M |
| Vevay Branch | Vevay , IN | 47043 | $60.6M |
| Batesville Branch | Batesville , IN | 47006 | $50.0M |
| Lawrenceburg Branch | Lawrenceburg , IN | 47025 | $37.4M |
| Madison Branch | Madison , IN | 47250 | $35.2M |
| Bright Branch | Lawrenceburg , IN | 47025 | $4.5M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in IN, rank 55 of 129 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 282 applications, 210 loans originated, $34.4M originated, across 4 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $90K approved, $90K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2013 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
Add this badge to your website
Free to use. It shows The Friendship State Bank’s latest filed figures and updates each quarter.
Similar banks
Compare The Friendship State Bank with peers
Frequently asked about The Friendship State Bank
What are The Friendship State Bank's total assets?
As of the Q2 2026 filing, The Friendship State Bank reported total assets of $543.8 million in its FFIEC call report.
Where is The Friendship State Bank headquartered?
It is headquartered in Friendship, IN, United States.
When was The Friendship State Bank founded?
It was established in 1912, per the FDIC institution directory.
Is The Friendship State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #13130). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Friendship State Bank?
The Friendship State Bank's primary federal regulator is the Federal Reserve.
What is The Friendship State Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 15.47% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does The Friendship State Bank operate?
It operates 9 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Friendship State Bank's Texas Ratio?
Its Texas Ratio is 2.84% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
Go deeper on The Friendship State Bank.
Get an email when The Friendship State Bank files its next call report, and benchmark it against any peer you choose.
Unlock The Friendship State Bank, freeFree account